The main ways to pay your Bank of America credit card

You can pay your Bank of America credit card through online banking, the mobile app, automatic payments, phone, mail, or in person at a branch. The fastest and most common method is logging into your account online or through the BofA mobile app and making a one-time payment. You can also set up automatic payments so the bank withdraws money from your checking account on a date you choose each month.

Each method takes a different amount of time to post to your account. Online and app payments usually show up the same day or next business day. Automatic payments and phone payments also post quickly. Mailed checks typically take 5 to 7 business days to reach the bank and post. In-person payments at a branch post when ready.

You can pay the full balance, the minimum payment, or any amount in between. Bank of America does not charge a fee for any of these payment methods, whether you pay online, by phone, by mail, or in person.

Key Takeaways

  • Online banking and the mobile app are the fastest ways to pay, with payments posting the same day or next business day.
  • Automatic payments let you choose a date each month and avoid the risk of missing a due date.
  • Mailed checks take 5 to 7 business days to post, so mail your payment at least a week before the due date to avoid a late fee.
  • Bank of America does not charge a fee for any payment method, including online, phone, mail, or in-person payments.
  • You can pay any amount — the full balance, the minimum, or something in between — without penalty.

Paying online through your Bank of America account

Log into your Bank of America online banking account at bankofamerica.com. Click on the credit card account you want to pay. Look for a "Make a Payment" or "Pay Now" button, usually near the top of the account summary. Enter the amount you want to pay and the date you want it to post (today or a future date). Review the details and confirm.

The payment will post the same business day if you submit it before the bank's cutoff time, which is usually 8 p.m. Eastern time on business days. If you submit after that time or on a weekend or holiday, it will post the next business day. You will see the payment reflected in your available credit when ready, even if the posted balance updates a day later.

Paying through the Bank of America mobile app

Open the Bank of America mobile app and sign in. Tap the credit card account you want to pay. Tap "Pay" or "Make a Payment." Enter the amount and select the date you want the payment to post. Confirm the payment. The process is the same as online banking and posts on the same timeline — same day or next business day depending on when you submit it.

The app also shows you your current balance, due date, and minimum payment at a glance, so you can decide how much to pay before you submit. You can save payee information for faster payments in the future.

Setting up automatic payments

Automatic payments remove the need to remember to pay each month. Log into your Bank of America account online or open the app. Go to the credit card account and look for "Automatic Payments," "Recurring Payments," or "Scheduled Payments." Choose the date each month you want the payment to come out (for example, the 15th of every month). Select whether you want to pay the full balance, the minimum payment, or a fixed amount you choose.

Once set up, the bank will automatically withdraw the payment from your checking account on that date each month. You can change or cancel the automatic payment at any time by going back to the same menu. Automatic payments post on the same schedule as one-time online payments — usually the same day or next business day.

Automatic payments are useful if you want to avoid late fees or if you prefer not to think about paying. However, make sure your checking account has enough money on the payment date, or the payment may fail and you could face overdraft fees from your bank.

Paying by phone or mail

To pay by phone, call the customer service number on the back of your credit card. A representative will ask for your account number and the amount you want to pay. They will confirm the payment date and process it over the phone. Phone payments post on the same timeline as online payments — usually the same day or next business day.

To pay by mail, write a check to Bank of America and include your account number on the check. Mail it to the address shown on your credit card statement or billing notice. Do not send cash through the mail. Mailed checks typically take 5 to 7 business days to arrive and post, so mail your payment at least a week before your due date to make sure it arrives on time. If your payment arrives after the due date, you may be charged a late fee even though you mailed it on time.

Paying in person at a Bank of America branch

You can walk into any Bank of America branch and make a payment at the teller window. Bring your credit card or account number and the amount you want to pay in cash or check. The teller will process the payment when ready and it will post to your account right away. This is the fastest way to pay if you need the payment to show up the same day.

Not all branches are open on weekends or evenings, so check the hours of your nearest branch before you go. You do not need an appointment to make a payment at the teller window.

What to do if you miss a payment or pay late

If your payment does not arrive by the due date shown on your statement, Bank of America will charge a late fee. The fee amount depends on your card and account history but typically ranges from $25 to $39 for the first late payment. If you are late again within six months, the fee may be higher.

A late payment also affects your credit score and may trigger a higher interest rate on your card. If you realize you will miss the due date, contact Bank of America as soon as possible. Some cardholders can request a one-time late fee reversal if they have a good payment history. You can call the number on the back of your card to ask.

To avoid late payments, set up automatic payments or mark your due date on a calendar. If you are struggling to pay, contact Bank of America to discuss options like a payment plan or hardship program.

Frequently Asked Questions

Does Bank of America charge a fee to pay my credit card?

No. Bank of America does not charge a fee for any payment method — online, mobile app, automatic payments, phone, mail, or in person. You pay only the amount of the payment itself, with no additional charges.

How long does it take for a payment to show up?

Online, app, phone, and automatic payments usually post the same day or next business day. Mailed checks take 5 to 7 business days. In-person payments at a branch post when ready. The exact timing depends on when you submit the payment and whether it is a business day.

Can I pay my credit card from a different bank?

Yes. You can set up a payment from your checking account at another bank through that bank's bill pay service. You would enter Bank of America's mailing address and your credit card account number. The payment will be mailed as a check, so allow 5 to 7 business days for it to post.

What happens if I pay more than I owe?

The extra amount becomes a credit on your account. You can use it toward future purchases or request that Bank of America refund it to you. Call the number on the back of your card to request a refund if you prefer.

Can I schedule a payment for a future date?

Yes. When you pay online or through the app, you can select a future date for the payment to post. This is useful if you want to time the payment with when you receive income. However, make sure the date is before your due date to avoid a late fee.